Find the car you want. We’ll help make the financing make sense.
The Deal
PDCU’s 2026 Auto Loan Special offers rates as low as 3.74% APR* for up to 72 months on new and used vehicles—including older cars. Current members approved for an auto loan can also get no payments for 90 days.
Eligible for newer vehicles (5 years old or newer) and used vehicles (older than 5 years)
No payments for 90 days for current PDCU members approved for an auto loan
No Payments for 90 Days
Sometimes the timing is the hardest part, down payment, registration, insurance, maybe a few upgrades (floor mats are basically required by tradition).
With this special, approved current members can defer their first payment for 90 days, giving you breathing room while you settle into your new ride and new budget.
Tip: If you’d rather start paying sooner, you can, paying early is always allowed.
Newer vs. Older Vehicles
Whether you’re going with something newer or something with a little more road wisdom, we’ll help you finance it the right way.
Vehicles 5 years old or newer: Great for newer purchases and may qualify for higher financing options.
Vehicles older than 5 years: Still eligible for financing, just expect loan-to-value (LTV) and rate qualifications to be based on the vehicle’s age and value.
Make the Deal Stronger with Pre-Approval
Want an easier car-buying experience? Get pre-approved first. It helps you:
Shop with a clear budget
Move faster at the dealership (or in a private sale)
Focus on the right vehicle, not the “what if” math
No—rates are based on creditworthiness, term, and vehicle factors. “As low as” means well-qualified borrowers may be eligible for the lowest APR.
Not necessarily. Your first payment may be deferred, but interest may still accrue during the deferral period depending on your loan terms.
How do I get the lowest possible APR?
Ask about setting up AutoPay and any available discounts. The lowest advertised rate may include an AutoPay-related discount.
Ready to Drive?
If you’re planning to buy soon, don’t wait until you’re sitting in the dealership finance office (they love that move, because it works). Get started with PDCU today.
Rates as low as 4.74% APR. Terms up to 72 months. No payments for 90 days for approved current members. Apply online or explore the full loan details before you commit.
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Apply for a PDCU Auto Loan
Get pre-approved online in minutes before you visit a dealership or close a private sale. Applying early puts you in control of the deal. All loans subject to credit approval and membership eligibility.
Want to review rates, terms, and what to expect before you apply? See the full PDCU auto loan page for new and used vehicle financing options, refinancing details, and everything covered under the 2026 Auto Loan Special.
*APR = Annual Percentage Rate. Rate available for qualified borrowers financing new or used vehicles. Loan terms up to 72 months. "As low as" rate may include a 0.25% APR discount for AutoPay; AutoPay discount requirements apply. Rates subject to change and vary based on creditworthiness, term, and collateral. All loans subject to credit approval and membership eligibility. People Driven Credit Union is an equal opportunity lender. Federally insured by the NCUA. NMLS #776727.
John Scharff is the Digital Marketing Lead at People Driven Credit Union, where he helps create clear, practical financial content for members and the communities PDCU serves. He focuses on making financial topics easier to understand, from loans and savings accounts to digital banking, fraud prevention, and everyday money management.
The monthly payment at 8.490% APR for a term of 12 months would require payments of approximately $87.22/month, per $1,000 borrowed. APR=Annual Percentage Rate, subject to change. Rate is based on individual creditworthiness and term of the loan. The use of this calculator does not imply nor guarantee loan terms nor approval of financing.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. People Driven Credit Union does not guarantee their applicability or accuracy in regards to your individual circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
From there, you can choose your preferred branch location, service type, date, and time. After booking, you’ll receive a confirmation email with your appointment details.
Member-only Discount Rewards
Accidental Death & Dismemberment Insurance – PDCU provides $2,000 coverage to members 18-69 for free but op-in is required. Members receive discounts on additional supplemental coverage.
Group pricing on auto, home, life & health insurance.
Love my Credit Union – Discount pricing for, Turbo Tax & SimpliSafe Home Security.
Mortgage Price Quote
Membership Check
Already a Member?
PD Quick Cash is available to PDCU members in good standing who’ve had direct deposit for at least six months.
Already a Member?
PD Summertime Quick Cash is available to members in good standing who may qualify with $1,000+ in monthly direct deposits for the past six months. Max two open PD Quick Cash Loans, a 30-day wait between applications, and three total loans (open or closed) in a rolling six months.
Already a Member?
PDCU members in good standing may qualify for Back-to-School Cash if they’ve had at least $1,000 in monthly direct deposits for the past six months.
Already a Member?
PDCU members in good standing may qualify with $1,000+ in monthly direct deposits for the past six months. Max two open PD Quick Cash Loans, a 30-day wait between applications, and three total loans (open or closed) in a rolling six months.
Already a Member?
PDCU members in good standing may qualify with $1,000+ in monthly direct deposits for the past six months. Max two open PD Quick Cash Loans, a 30-day wait between applications, and three total loans (open or closed) in a rolling six months.
Construction loans can be complicated, expensive, and unpredictable. They often involve staged funding, contractor coordination, inspections, budget changes, and a lot more stress than people expect. Instead, People Driven Credit Union focuses on options that are often easier to manage, like traditional mortgages for home purchases and home equity solutions for improvements to a home you already own.
People Driven Credit Union does not offer construction loans.
People Driven Credit Union membership is available to a diverse range of individuals and organizations, including:
All Michigan residents
Individuals who live, work, attend school, or worship anywhere in Michigan
Employees or retirees of U.S. federal government agencies who reside, work, or report to an agency headquartered in Michigan
State, county, or local government employees or retirees, including those working for political subdivisions based in Wayne, Oakland, or Macomb counties
Affiliated Employers & Organizations
Membership also extends to current and former employees associated with major automotive and manufacturing employers, such as:
Ford Motor Company and Visteon Corporation employees or retirees working in Rawsonville or Wixom, MI
Members of the Red Carpet Club, a retirees’ association within Washtenaw, Oakland, Macomb, Monroe, or Wayne counties
Tower Automotive employees in Plymouth, MI, and retirees from the Ford Utica Trim Plant
Additionally, membership includes those previously employed at these Michigan companies and locations:
Mazda North America, Mazda Research & Development of North America, Mazda System Services
Mount Clemens Coating, Inc.
Tower Automotive (Plymouth)
Previous Credit Union Mergers
Members from the following credit unions merged with PDCU are also eligible:
Sinai Health Services Credit Union (1992)
M.E.S. Credit Union (2004)
People’s Trust and Community Driven Credit Unions (2014)
Community Alliance Credit Union (2023)
Additional Eligible Groups
Membership is further open to:
Immediate family members of eligible or current members
Spouses of deceased members (provided they joined prior to remarriage)
Legal entities primarily comprised of individuals from eligible groups
Retirees aged 55 and over, or younger individuals receiving disability retirement, who receive pension, annuity, Social Security, or other retirement benefits, residing in or affiliated with retirement organizations in Wayne, Oakland, Macomb, St. Clair, Lapeer, Genesee, Livingston, or Washtenaw counties
To complete an application for any account or loan, you will need the following information:
A valid Driver’s License, State ID, or Passport with your current address
Your Social Security Number
A Membership Share Savings Account is required to establish membership at People Driven Credit Union. A $5 deposit secures your ownership share in the credit union and unlocks access to our full suite of products and services. This account earns 0.01% APY with a $5 minimum deposit.
People Driven Credit Union membership is available to a diverse range of individuals and organizations, including:
All Michigan residents
Individuals who live, work, attend school, or worship anywhere in Michigan
Employees or retirees of U.S. federal government agencies who reside, work, or report to an agency headquartered in Michigan
State, county, or local government employees or retirees, including those working for political subdivisions based in Wayne, Oakland, or Macomb counties
Affiliated Employers & Organizations
Membership also extends to current and former employees associated with major automotive and manufacturing employers, such as:
Ford Motor Company and Visteon Corporation employees or retirees working in Rawsonville or Wixom, MI
Members of the Red Carpet Club, a retirees’ association within Washtenaw, Oakland, Macomb, Monroe, or Wayne counties
Tower Automotive employees in Plymouth, MI, and retirees from the Ford Utica Trim Plant
Additionally, membership includes those previously employed at these Michigan companies and locations:
Mazda North America, Mazda Research & Development of North America, Mazda System Services
Mount Clemens Coating, Inc.
Tower Automotive (Plymouth)
Previous Credit Union Mergers
Members from the following credit unions merged with PDCU are also eligible:
Sinai Health Services Credit Union (1992)
M.E.S. Credit Union (2004)
People’s Trust and Community Driven Credit Unions (2014)
Community Alliance Credit Union (2023)
Additional Eligible Groups
Membership is further open to:
Immediate family members of eligible or current members
Spouses of deceased members (provided they joined prior to remarriage)
Legal entities primarily comprised of individuals from eligible groups
Retirees aged 55 and over, or younger individuals receiving disability retirement, who receive pension, annuity, Social Security, or other retirement benefits, residing in or affiliated with retirement organizations in Wayne, Oakland, Macomb, St. Clair, Lapeer, Genesee, Livingston, or Washtenaw counties
To complete an application for any account or loan, you will need the following information:
A valid Driver’s License, State ID, or Passport with your current address
Your Social Security Number
A Membership Share Savings Account is required to establish membership at People Driven Credit Union. A $5 deposit secures your ownership share in the credit union and unlocks access to our full suite of products and services. This account earns 0.01% APY with a $5 minimum deposit.
APY
APY stands for Annual Percentage Yield. It is a measure of the total amount of interest earned on an account based on the interest rate and the frequency of compounding over a year. APY is a useful metric for comparing the annual earnings on different savings products, such as savings accounts, CDs, and money market accounts, because it standardizes the effect of compounding.
Key Points About APY
Includes Compounding: APY accounts for how often interest is compounded (e.g., daily, monthly, quarterly), which can significantly affect the total interest earned over time.
Comparison Tool: APY provides a standard way to compare the annual interest earnings of different savings products, regardless of how frequently interest is compounded.
Formula: The formula for calculating APY is:
APY = (1 + r/n)^n - 1
where r is the nominal interest rate (expressed as a decimal), and n is the number of compounding periods per year.
Higher APY: A higher APY indicates that you will earn more interest on your money over a year, assuming the same principal amount.
Example
For example, if a savings account offers an interest rate of 5% compounded monthly, the APY would be higher than 5% due to the effect of monthly compounding. This makes APY a useful metric for comparing the real return on different financial products.
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